About Optima Super

Optima Super, India's only aggregate top-up health plan that adds to your existing coverage & also offers an option to convert to a full-fledged nil deductible health insurance plan (at the time when you usually retire).

The double benefits of a Top-up and a Full-Fledged Plan -

As a top-up,

You are covered for higher hospitalization expenditures that may occur throughout the year

The premium you pay is nominal

You enjoy wide in-patient cover, after deductible both on an individual or family floater basis.

You can renew the policy for life

With the option of converting into a full-fledged nil deductible plan by using the Waiver of Deductible benefit, with no underwriting or medicals.

You bid goodbye to tiresome waiting periods (whether it’s the initial 30 days or 2 years for specific diseases or pre-existing conditions.)

Your deductible is waived off and you are covered from the first rupee